If you're facing foreclosure in Texas, there are several strategies you can consider to avoid losing your home. Here are some ways to get out of foreclosure:

1. Loan Modification: Contact your lender to see if you qualify for a loan modification, which could involve changing the terms of your mortgage to make the payments more affordable.

2. Forbearance Agreement: A forbearance agreement allows you to temporarily reduce or pause your mortgage payments for a specified period, giving you time to improve your financial situation.

3. Repayment Plan: Work out a repayment plan with your lender to catch up on missed payments over time, rather than paying them all at once.

4. Reinstatement: If you can gather the funds to pay the total amount you owe (including missed payments, interest, and fees), you can reinstate your mortgage and stop the foreclosure process.

5. Short Sale: With the lender's approval, you can sell your home for less than the outstanding mortgage balance. This option allows you to avoid foreclosure and the negative impact it has on your credit score.

6. Deed in Lieu of Foreclosure: This involves voluntarily transferring ownership of your home to the lender in exchange for being released from your mortgage obligations. This option can be less damaging to your credit than a foreclosure.

7. Bankruptcy: Filing for bankruptcy can temporarily stop the foreclosure process through an automatic stay, giving you time to reorganize your finances and potentially keep your home. Chapter 13 bankruptcy, in particular, allows you to create a repayment plan to catch up on missed payments.

8. Refinancing: If you have enough equity in your home and your credit score has not dropped significantly, you might be able to refinance your mortgage to get a lower interest rate or more favorable terms.

9. Seek Assistance Programs: Look for state or federal assistance programs designed to help homeowners avoid foreclosure. For example, the Texas Homeowner Assistance Fund can provide aid to eligible homeowners.

10. Legal Assistance: Consulting with a foreclosure attorney can help you understand your rights and explore all available options to avoid foreclosure.

11. HUD-Approved Housing Counseling: Seek advice from a HUD-approved housing counseling agency. They can provide free or low-cost advice on avoiding foreclosure and may help you negotiate with your lender.

Taking prompt action and communicating openly with your lender are critical steps in avoiding foreclosure.